NLIC.org

Elsie Said:

About how much does General liability insurance?

We Answered:

Al,

You forgot to mention what you do as an independent contractor. The rates will vary significantly between occupations. You probably know that the rates for a roofer will be different than for someone cleaning an office building.

You have to call an independent agent in your area to get an accurate premium so that you can build that expense in to the hourly rate you will be charging. You cannot get an accurate answer here.

Martha Said:

Does anyone know a ruff estimate on how much general liability insurance on a small consignment shop?

We Answered:

You can do better than a rough estimate. Most insurance agencies should be happy to give you a free quote if your business is up and running. You might have to look around more to find an agent willing to answer your question if you are only thinking about getting into business.

Catherine Said:

Does general liability insurance have to be paid on subcontractors in addition to payroll?

We Answered:

Yes, but the rate is a FRACTION of the rate it is for employees.